[Larry Seemann]

There are 2 types of policies discussed in the article: General liability covering MAFCA, all of it's chapters, and all of it's members for bodily injury and property damage. This type of policy covers you for "legal" liability meaning you're covered if a court would find you liable. The other policy discussed is"Directors and Officers" (D&O) which covers the officers for mistakes of judgement made in their "official" capacity. For instance: If a particular officer was supposed to arrange for that certificate of insurance for the F.A.S.T banquet and F.A.S.T lost money because it wasn't handled that policy would pay the damages.